credit card debt relief

Simi Debt Relief Company helps woman solve credit card problems

Patricia Carter was nearing retirement when she found herself overwhelmed by debt in late 2009. Between eight credit cards, a bank loan and an automobile lease, she had combined debts exceeding $85,000. Bankruptcy wasn’t an option. She didn’t qualify. She had negotiated with two of her creditors, but that was going to take several years to clear those debts alone. She wanted out from under that burden. Today, all the debt is settled, though she still has some payments to make on the car. The dealmaker was Darrell Warner and his debt settlement business ACI-Solutions.com, based in Simi Valley. When Carter runs into someone who has similar financial troubles, she recommends Warner.

5 Signs You Have Too Much Credit Card Debt

Are any of the following statements true for you? If so, you may need some debt relief!

1. You don’t know your total debt amount. Maybe you’re in denial or it just snuck up on you. You should always know exactly how much you owe and whether or not your income can cover your expenses.
2. You have no savings. All your earnings are going to paying your expenses and your credit card monthly payments.

5 Ways Credit Card Debt Overload Happens

Unfortunately it happens before you know it. You’ve maxed out your cards and now you have high monthly (minimum) payments to make due to exorbitant interest rates. How does this happen?

1.  Charges creep. You didn’t have as much cash as you needed, so you’ll use your credit card just this one time. And one more time, then another, and so on, until you’ve maxed all your options out.

50 Ways to Reduce Your Debt and Get Relief Now

If your credit card debt is getting out of control, maybe it’s time to reduce your expenses. Or, if you’ve been through a bankruptcy, debt settlement or debt consolidation process already and need to make some lifestyle changes moving forward, we have some ideas to help you. Here are 50 cost-cutting, money-saving tips to help you save money and reduce debt now.